.pvg-agf{--agf-blue:#00498e;--agf-blue-dark:#003b73;--agf-mint:#58bd9c;--agf-mint-dark:#176f5d;--agf-text:#14293b;--agf-muted:#526a7f;--agf-border:#d5e5ee;--agf-tint:#eaf7f3;--agf-focus:#ffbf47;--agf-radius:24px;--agf-shadow:0 18px 48px rgb(0 73 142 / 8%);position:relative;left:50%;width:min(100vw,80rem);max-width:none;overflow:hidden;margin-left:-50vw;transform:translateX(calc(50vw - 50%));padding:0 clamp(1rem,4vw,2.5rem) 5rem;color:var(--agf-text);font:400 1.125rem/1.7 "Open Sans",Arial,sans-serif}

.pvg-agf,.pvg-agf *,.pvg-agf *::before,.pvg-agf *::after{box-sizing:border-box}
.pvg-agf-container{width:min(100%,68rem);margin-inline:auto}
.pvg-agf a{color:var(--agf-blue);text-decoration-thickness:.08em;text-underline-offset:.2em}
.pvg-agf a:hover{color:var(--agf-blue-dark)}
.pvg-agf :is(a,button):focus-visible{outline:3px solid var(--agf-focus);outline-offset:4px}
.pvg-agf h1,.pvg-agf h2,.pvg-agf h3{color:var(--agf-blue);font-family:"Open Sans",Arial,sans-serif;line-height:1.15;text-wrap:balance}
.pvg-agf h1{margin:.75rem 0 1rem;font-size:clamp(2.25rem,3.3vw,3.15rem);font-weight:800;letter-spacing:-.035em}
.pvg-agf h2{margin:0 0 1.2rem;font-size:clamp(1.8rem,3.6vw,2.7rem);font-weight:700;letter-spacing:-.025em}
.pvg-agf h3{font-size:clamp(1.2rem,2vw,1.5rem)}
.pvg-agf :is(h2,h3)[id],.pvg-agf-section[id]{scroll-margin-top:7rem}
.pvg-agf p,.pvg-agf ul,.pvg-agf ol{margin:0 0 1.15rem}
.pvg-agf li+li{margin-top:.5rem}
.pvg-agf strong{color:#173c56}

.pvg-agf-skip{position:fixed;z-index:9999;top:.5rem;left:.5rem;translate:0 -180%;padding:.75rem 1rem;background:#fff;border:3px solid var(--agf-focus);color:var(--agf-blue)}
.pvg-agf-skip:focus{translate:0}
.pvg-agf-breadcrumb{padding-block:1.15rem;color:var(--agf-muted);font-size:.875rem}
.pvg-agf-breadcrumb ol{display:flex;flex-wrap:wrap;gap:.35rem .55rem;margin:0;padding:0;list-style:none}
.pvg-agf-breadcrumb li:not(:last-child)::after{content:"›";margin-left:.55rem;color:#8aa0b1}
.pvg-agf-breadcrumb a{color:inherit}

.pvg-agf-hero{margin-inline:calc(-1 * clamp(1rem,4vw,2.5rem));padding:clamp(2.75rem,5vw,4.5rem) clamp(1rem,4vw,2.5rem) clamp(1.75rem,2.7vw,2.5rem);border-bottom:1px solid #e2edf3;background:linear-gradient(145deg,#f1f8fb 0%,#fff 62%,#eff9f5 100%)}
.pvg-agf-eyebrow{display:inline-flex;width:auto;margin:0 0 .7rem;padding:.42rem .75rem;border:1px solid #a9d9c9;border-radius:999px;background:#edf8f4;color:var(--agf-mint-dark);font-size:.75rem;font-weight:800;letter-spacing:.075em;line-height:1;text-transform:uppercase}
.pvg-agf-lead{margin-top:1.4rem;padding-top:1.35rem;border-top:1px solid #dbe9ef;font-size:1.125rem}
.pvg-agf-author{display:flex;align-items:center;gap:.8rem;margin-top:1.4rem}
.pvg-agf-author img{display:block;width:3.25rem;height:3.25rem;border:2px solid var(--agf-mint);border-radius:50%;background:#fff;object-fit:cover}
.pvg-agf-author p{display:grid;margin:0;line-height:1.3}
.pvg-agf-author span{color:var(--agf-muted);font-size:.875rem}

.pvg-agf-section{margin-top:clamp(4.5rem,8vw,7rem)}
.pvg-agf-section:nth-of-type(odd):not(.pvg-agf-answer):not(.pvg-agf-download):not(.pvg-agf-cta):not(.pvg-agf-final){padding:clamp(1.5rem,4vw,3rem);border-radius:var(--agf-radius);background:linear-gradient(135deg,#f5fafc,#fbfefd)}
.pvg-agf-section>p{max-width:none}

.pvg-agf-answer{margin-top:clamp(1.75rem,3.5vw,3rem);padding:clamp(1.5rem,4vw,2.6rem);border:1px solid #cfe4dc;border-left:5px solid var(--agf-mint);border-radius:var(--agf-radius);background:linear-gradient(125deg,#eaf7f3,#f7fcfa 50%,#fff);box-shadow:var(--agf-shadow)}
.pvg-agf-answer h2{font-size:clamp(1.55rem,3vw,2.1rem)}
.pvg-agf-answer .pvg-agf-highlight{margin-top:.3rem;padding:0;border:0;background:none;font-size:1.08em}

.pvg-agf-toc{padding:clamp(1.5rem,4vw,2.6rem);border:1px solid var(--agf-border);border-radius:var(--agf-radius);background:linear-gradient(135deg,#f5fafc,#fff 58%,#f3faf7);box-shadow:var(--agf-shadow)}
.pvg-agf-toc ol{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.75rem;margin:0;padding:0;list-style:none;counter-reset:agf-toc}
.pvg-agf-toc li{margin:0;counter-increment:agf-toc}
.pvg-agf-toc li:last-child{grid-column:1/-1}
.pvg-agf-toc a{display:flex;align-items:center;gap:.75rem;min-height:3.25rem;padding:.65rem .85rem;border:1px solid #d4e4ec;border-radius:14px;background:#fff;text-decoration:none;font-weight:650}
.pvg-agf-toc a::before{content:counter(agf-toc);display:grid;flex:0 0 auto;place-items:center;width:2rem;height:2rem;border:1px solid #a9d9c9;border-radius:10px;background:var(--agf-tint);color:var(--agf-mint-dark);font-size:.85rem;font-weight:800}

.pvg-agf-highlight,.pvg-agf-note{max-width:none!important;margin-top:1.5rem;padding:1.15rem 1.3rem;border:1px solid #d7e8e2;border-left:4px solid var(--agf-mint);border-radius:0 14px 14px 0;background:#f4faf8}
.pvg-agf-note{font-weight:400}
.pvg-agf-grid{display:grid;gap:1.15rem;margin-top:2rem}
.pvg-agf-grid article{min-width:0;padding:1.4rem;border:1px solid var(--agf-border);border-radius:18px;background:#fff;box-shadow:0 10px 28px rgb(0 73 142 / 5%)}
.pvg-agf-grid h3{margin:0 0 .8rem}
.pvg-agf-grid article>:last-child{margin-bottom:0}
.pvg-agf-grid--2{grid-template-columns:repeat(2,minmax(0,1fr))}
.pvg-agf-grid--3{grid-template-columns:repeat(3,minmax(0,1fr))}
.pvg-agf-grid--5{grid-template-columns:repeat(5,minmax(0,1fr))}
.pvg-agf-period{display:inline-flex;margin-bottom:.8rem;padding:.42rem .75rem;border:1px solid #a9d9c9;border-radius:999px;background:var(--agf-tint);color:var(--agf-mint-dark);font-size:.85rem;font-weight:800}
.pvg-agf-hdi{padding:clamp(1.5rem,4vw,3rem);border-left:5px solid var(--agf-mint);border-radius:var(--agf-radius);background:linear-gradient(135deg,var(--agf-tint),#fff)!important;box-shadow:var(--agf-shadow)}

.pvg-agf-flow,.pvg-agf-process,.pvg-agf-timeline{display:grid;gap:1rem;margin:2rem 0;padding:0;list-style:none;counter-reset:agf-steps}
.pvg-agf-flow{grid-template-columns:repeat(4,minmax(0,1fr))}
.pvg-agf-flow li,.pvg-agf-process li,.pvg-agf-timeline li{display:grid;grid-template-columns:2.4rem minmax(0,1fr);align-items:start;gap:1rem;margin:0;padding:1.1rem;border:1px solid var(--agf-border);border-radius:16px;background:#fff;counter-increment:agf-steps}
.pvg-agf-flow li::before,.pvg-agf-process li::before,.pvg-agf-timeline li::before{content:counter(agf-steps);display:grid;place-items:center;width:2.4rem;height:2.4rem;border-radius:50%;background:var(--agf-blue);color:#fff;font-weight:800}
.pvg-agf-process li h3{margin:0}
.pvg-agf-process{grid-template-columns:repeat(2,minmax(0,1fr))}
.pvg-agf-timeline{grid-template-columns:repeat(2,minmax(0,1fr))}

.pvg-agf-download{display:grid;grid-template-columns:1.25fr .75fr;align-items:center;gap:2rem;padding:clamp(2rem,6vw,4rem);border-radius:30px;background:linear-gradient(180deg,var(--agf-blue),#0a559e);color:#fff;box-shadow:0 18px 48px rgb(0 33 65 / 18%)}
.pvg-agf-download :is(h2,strong){color:#fff}
.pvg-agf-download img{display:block;width:min(100%,280px);height:auto;margin:auto;border-radius:7px;box-shadow:0 16px 40px rgb(0 0 0 / 28%)}
.pvg-agf-small{font-size:.86rem}
.pvg-agf-button{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:.75rem 1.25rem;border:1px solid rgb(255 255 255 / 60%);border-radius:999px;background:#fff;color:var(--agf-blue)!important;font-weight:700;text-align:center;text-decoration:none}
.pvg-agf-button:hover{background:#f4faf8}

.pvg-agf-grid--risk{grid-template-columns:repeat(6,minmax(0,1fr))}
.pvg-agf-grid--risk article:nth-child(-n+3){grid-column:span 2}
.pvg-agf-grid--risk article:nth-child(4){grid-column:2/span 2}
.pvg-agf-grid--risk article:nth-child(5){grid-column:4/span 2}
.pvg-agf-grid--risk h3{margin:0}
.pvg-agf-cta,.pvg-agf-final{display:grid;grid-template-columns:1fr 170px;align-items:center;gap:2rem;padding:clamp(2rem,6vw,4rem);border-radius:30px;background:linear-gradient(180deg,var(--agf-blue),#0a559e);color:#fff;text-align:left;box-shadow:0 18px 48px rgb(0 33 65 / 18%)}
.pvg-agf-cta :is(h2,strong),.pvg-agf-final :is(h2,strong){color:#fff}
.pvg-agf-cta img,.pvg-agf-final img{width:150px;height:150px;border:3px solid var(--agf-mint);border-radius:50%;object-fit:cover}
.pvg-agf-linkgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.75rem;margin-top:2rem}
.pvg-agf-linkgrid a{display:flex;align-items:center;justify-content:space-between;gap:.75rem;min-height:3.25rem;padding:.65rem .85rem;border:1px solid #d4e4ec;border-radius:14px;background:#fff;font-weight:650;text-decoration:none}
.pvg-agf-faq article{border-top:1px solid var(--agf-border)}
.pvg-agf-faq article:last-child{border-bottom:1px solid var(--agf-border)}
.pvg-agf-faq h3{margin:0}
.pvg-agf-faq button{display:flex;width:100%;min-height:4rem;align-items:center;justify-content:space-between;gap:1rem;padding:1rem 1.2rem;border:0;background:transparent;color:var(--agf-blue);font:700 1em/1.7 "Open Sans",Arial,sans-serif;text-align:left;cursor:pointer}
.pvg-agf-faq button[aria-expanded=true]{background:var(--agf-blue);color:#fff}
.pvg-agf-faq [role=region]{padding:1rem 1.2rem;font-size:1em;line-height:1.7}
.pvg-agf-faq [role=region] p{margin:0}
.pvg-agf-sticky{display:none}

@media(max-width:63.99rem){.pvg-agf-grid--5{grid-template-columns:repeat(2,minmax(0,1fr))}
.pvg-agf-flow{grid-template-columns:repeat(2,minmax(0,1fr))}
.pvg-agf-grid--risk{grid-template-columns:repeat(2,minmax(0,1fr))}
.pvg-agf-grid--risk article:nth-child(n){grid-column:auto}
.pvg-agf-grid--risk article:last-child{grid-column:1/-1}
}

@media(max-width:47.99rem){.pvg-agf{padding-bottom:calc(9.25rem + env(safe-area-inset-bottom));font-size:1.03rem}
.pvg-agf h1{font-size:clamp(2rem,10.2vw,2.75rem)}
.pvg-agf-section:nth-of-type(odd):not(.pvg-agf-answer):not(.pvg-agf-download):not(.pvg-agf-cta):not(.pvg-agf-final){margin-inline:-.35rem;padding:1.35rem}
.pvg-agf-toc ol,.pvg-agf-grid--2,.pvg-agf-grid--3,.pvg-agf-grid--5,.pvg-agf-grid--risk,.pvg-agf-flow,.pvg-agf-process,.pvg-agf-timeline,.pvg-agf-linkgrid,.pvg-agf-download,.pvg-agf-cta,.pvg-agf-final{grid-template-columns:1fr}
.pvg-agf-toc li:last-child,.pvg-agf-grid--risk article:last-child{grid-column:auto}
.pvg-agf-download img{width:210px}
.pvg-agf-cta img,.pvg-agf-final img{width:100px;height:100px}
.pvg-agf-sticky:not([hidden]){position:fixed;z-index:1000;right:0;bottom:0;left:0;display:flex;box-sizing:border-box;align-items:center;gap:.75rem;min-height:4.25rem;margin:0;padding:.5625rem .875rem calc(.5625rem + env(safe-area-inset-bottom));border-top:1px solid var(--agf-border);background:#fff;box-shadow:0 -.35rem 1.25rem rgb(0 38 77 / 10%)}
.pvg-agf-sticky img{display:block;width:3.125rem;height:3.125rem;flex:0 0 3.125rem;border:2px solid var(--agf-mint);border-radius:50%;background:#fff;object-fit:cover}
.pvg-agf-sticky .pvg-agf-button{display:flex;min-width:0;min-height:2.75rem;flex:1;padding:.55rem .75rem;border:2px solid var(--agf-blue);background:var(--agf-blue);color:#fff!important;font-size:.875rem;font-weight:800;line-height:1.25;white-space:normal}
}

@media(prefers-reduced-motion:reduce){.pvg-agf *{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}
}

#unterschiede>.pvg-agf-grid+.pvg-agf-highlight{margin-top:2rem}
#unterschiede .pvg-agf-grid--5 h3{font-size:1.25rem;white-space:nowrap;overflow-wrap:normal;word-break:normal;hyphens:none}
@media(max-width:47.99rem){#unterschiede>.pvg-agf-grid+.pvg-agf-highlight{margin-top:1.5rem}
#unterschiede .pvg-agf-grid--5 h3{font-size:clamp(1.2rem,2vw,1.5rem);white-space:normal}
}

.pvg-agf-toc ol{column-gap:.75rem;row-gap:.5625rem}
.pvg-agf-toc a::before{border-width:2px;background:#e3f5ef;box-shadow:inset 0 0 0 1px rgb(23 111 93 / 8%)}
#perspektiven>h2{font-size:2.1rem;line-height:1.15}
#perspektiven .pvg-agf-grid--2{align-items:stretch}
#perspektiven .pvg-agf-grid--2 article{display:grid;grid-template-rows:auto 1fr;padding:1.35rem;align-content:start}
#perspektiven .pvg-agf-grid--2 h3{min-height:3.45rem;margin:0 0 .8rem}
#perspektiven .pvg-agf-grid--2 ul{margin:0;padding-left:1.25rem;line-height:1.55}
#perspektiven .pvg-agf-grid--2 li+li{margin-top:.3rem}
#perspektiven>.pvg-agf-grid+.pvg-agf-highlight,#unterschiede+section>.pvg-agf-grid+.pvg-agf-note{margin-top:2rem}
@media(max-width:47.99rem){#perspektiven>h2{font-size:clamp(1.8rem,3.6vw,2.7rem)}
#perspektiven .pvg-agf-grid--2 h3{min-height:0}
#perspektiven>.pvg-agf-grid+.pvg-agf-highlight,#unterschiede+section>.pvg-agf-grid+.pvg-agf-note{margin-top:1.5rem}
}

#unterschiede .pvg-agf-grid--5{grid-template-columns:repeat(6,minmax(0,1fr));grid-auto-rows:auto}
#unterschiede .pvg-agf-grid--5 article:nth-child(-n+3){grid-column:span 2}
#unterschiede .pvg-agf-grid--5 article:nth-child(n+4){grid-column:span 3}
@media(max-width:63.99rem){#unterschiede .pvg-agf-grid--5{grid-template-columns:repeat(2,minmax(0,1fr))}
#unterschiede .pvg-agf-grid--5 article:nth-child(n){grid-column:auto}
#unterschiede .pvg-agf-grid--5 article:last-child{grid-column:1/-1}
}
@media(max-width:47.99rem){#unterschiede .pvg-agf-grid--5{grid-template-columns:1fr}
#unterschiede .pvg-agf-grid--5 article:last-child{grid-column:auto}
}
#unterschiede+section+section>.pvg-agf-grid+.pvg-agf-highlight{margin-top:2rem}
@media(max-width:47.99rem){#unterschiede+section+section>.pvg-agf-grid+.pvg-agf-highlight{margin-top:1.5rem}
}
@media(min-width:48rem) and (max-width:63.99rem){#unterschiede+section+section>.pvg-agf-grid--3{grid-template-columns:repeat(2,minmax(0,1fr))}
#unterschiede+section+section>.pvg-agf-grid--3>article:last-child{grid-column:1/-1}
}
#verkuerzt .pvg-agf-hdi__future{margin:1.5rem 0 0;padding:1rem 1.1rem;border:1px solid #cfe4dc;border-left:4px solid var(--agf-mint);border-radius:0 14px 14px 0;background:rgb(255 255 255 / 72%)}
#verkuerzt .pvg-agf-hdi__questions{margin-top:2.5rem}
#verkuerzt .pvg-agf-hdi__questions>h3{margin:0 0 .65rem;font-size:clamp(1.45rem,2.3vw,1.85rem)}
#verkuerzt .pvg-agf-hdi__questions>p{margin-bottom:0}
#verkuerzt .pvg-agf-hdi__grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.15rem;margin-top:2rem}
#verkuerzt .pvg-agf-hdi__grid article{min-width:0;padding:1.4rem;border:1px solid var(--agf-border);border-radius:18px;background:#fff;box-shadow:0 10px 28px rgb(0 73 142 / 5%)}
#verkuerzt .pvg-agf-hdi__number{display:inline-grid;place-items:center;min-width:2rem;height:2rem;margin-bottom:.8rem;padding-inline:.5rem;border:1px solid #a9d9c9;border-radius:10px;background:var(--agf-tint);color:var(--agf-mint-dark);font-size:.85rem;font-weight:800;line-height:1}
#verkuerzt .pvg-agf-hdi__grid h4{margin:0 0 .8rem;color:var(--agf-blue);font:700 1.25rem/1.25 "Open Sans",Arial,sans-serif}
#verkuerzt .pvg-agf-hdi__grid article>p{margin-bottom:1rem}
#verkuerzt .pvg-agf-hdi__grid article>:last-child{margin-bottom:0}
#verkuerzt .pvg-agf-hdi__detail{padding-top:.9rem;border-top:1px solid #dbe9ef;color:var(--agf-muted);font-size:.94em}
#verkuerzt .pvg-agf-hdi-source{margin-top:2rem}
#verkuerzt .pvg-agf-hdi-source>h3{margin:.7rem 0 .65rem;font-size:clamp(1.45rem,2.3vw,1.85rem)}
#verkuerzt .pvg-agf-hdi-source>p:not(.pvg-agf-eyebrow){margin-bottom:1.25rem}
#verkuerzt .pvg-agf-hdi-source__preview{display:block;width:100%;padding:1.25rem;border:1px solid var(--agf-border);border-radius:20px;background:#fff;color:var(--agf-muted);box-shadow:0 10px 28px rgb(0 73 142 / 5%);font:inherit;text-align:left;cursor:zoom-in}
#verkuerzt .pvg-agf-hdi-source__preview:focus-visible,#verkuerzt .pvg-agf-hdi-source__close:focus-visible{outline:3px solid var(--agf-mint);outline-offset:3px}
#verkuerzt .pvg-agf-hdi-source__preview img{display:block;width:100%;height:auto}
#verkuerzt .pvg-agf-hdi-source__preview span{display:block;margin-top:.8rem;font-size:.9rem;line-height:1.45}
#verkuerzt .pvg-agf-hdi-source__dialog{width:min(94vw,1770px);max-width:none;max-height:90vh;margin:auto;padding:0;border:0;border-radius:20px;background:#fff;box-shadow:0 24px 70px rgb(0 25 55 / 35%);overflow:hidden}
#verkuerzt .pvg-agf-hdi-source__dialog::backdrop{background:rgb(3 19 34 / 78%)}
#verkuerzt .pvg-agf-hdi-source__dialog-inner{position:relative;max-height:90vh;padding:3.6rem 1.25rem 1.25rem;overflow:auto}
#verkuerzt .pvg-agf-hdi-source__close{position:sticky;z-index:2;top:-2.8rem;float:right;display:grid;place-items:center;width:2.5rem;height:2.5rem;margin-top:-2.8rem;padding:0;border:1px solid var(--agf-border);border-radius:50%;background:#fff;color:var(--agf-blue);font:700 1.8rem/1 Arial,sans-serif;cursor:pointer}
#verkuerzt .pvg-agf-hdi-source__media{clear:both;overflow:auto}
#verkuerzt .pvg-agf-hdi-source__media img{display:block;width:min(100%,1720px);height:auto;margin-inline:auto}
.pvg-agf-dialog-open{overflow:hidden}
#verkuerzt .pvg-agf-hdi-source__dialog.is-fallback-open{position:fixed;z-index:100000;inset:0;display:grid;width:100vw;max-width:none;height:100vh;max-height:none;padding:3vh 3vw;border-radius:0;background:rgb(3 19 34 / 78%);overflow:auto}
#verkuerzt .pvg-agf-hdi-source__dialog.is-fallback-open .pvg-agf-hdi-source__dialog-inner{align-self:center;width:min(94vw,1770px);max-height:90vh;margin:auto;border-radius:20px;background:#fff;box-shadow:0 24px 70px rgb(0 25 55 / 35%)}
#verkuerzt .pvg-agf-hdi__grid+.pvg-agf-highlight,#verkuerzt>.pvg-agf-highlight{margin-top:2rem}
@media(min-width:48rem) and (max-width:63.99rem){#verkuerzt .pvg-agf-hdi__grid{grid-template-columns:repeat(2,minmax(0,1fr))}
#verkuerzt .pvg-agf-hdi__grid>article:last-child{grid-column:1/-1}
}
@media(max-width:47.99rem){#verkuerzt .pvg-agf-hdi__questions{margin-top:2rem}
#verkuerzt .pvg-agf-hdi__grid{grid-template-columns:1fr}
#verkuerzt .pvg-agf-hdi__grid>article:last-child{grid-column:auto}
#verkuerzt .pvg-agf-hdi-source{margin-top:1.5rem}
#verkuerzt .pvg-agf-hdi-source__preview{padding:.75rem;border-radius:18px}
#verkuerzt .pvg-agf-hdi-source__dialog{width:calc(100vw - 1rem);max-height:94vh;border-radius:16px}
#verkuerzt .pvg-agf-hdi-source__dialog-inner{max-height:94vh;padding:3.25rem .75rem .75rem}
#verkuerzt .pvg-agf-hdi-source__close{top:-2.65rem;margin-top:-2.65rem}
#verkuerzt .pvg-agf-hdi-source__media img{width:900px;max-width:none;margin:0}
#verkuerzt>.pvg-agf-highlight{margin-top:1.5rem}
}